一起聚餐去,金流系統 (Dine together - Payment System)

By Shaform, Mon 20 April 2015, in category Ideas

payments

在交大時因為地處偏僻又經濟拮据,很少有機會出去校外吃飯。來了台北以後,開始有機會和朋友出去聚餐。有次一大群人一起去吃飯,結帳時大家七手八腳的把錢擺在桌上,最後結帳的人拿了錢去付時,才發現短少了一些,但也無法釐清是誰少付了。自己也曾有次雖然只是三四人的聚餐,不過付完找錢完事後才發現虧了兩三百元呢。

確實這種朋友聚餐若不能分開結帳,付起帳來總讓人心慌慌。有許多的風險容易浮現:(1)在蒐集錢時可能有所短缺(2)可能會出現偽鈔(3)其實也可能店家會找錯、算錯(4)然而有些同學會在店家找錢時迅速的先拿走自己該找的部份,以致主付者難以確認店家是否找錯錢。

雖然想說可以透過每次聚餐前都事先準備好所有零錢,讓自己可以恰好付出自己的部份,不過有時還是會忘記。這時就會想如果有個金流系統可以幫忙解決這種情形該有多好。

運作的方法大約是這樣。聚餐後,可以用這金流系統建立一個聚餐事件,然後把所有人加進來。大家輸入自己該付的錢後,系統就會確認儲值的錢足夠,並自動扣款,事後交給主事人。程式還會幫妳計算總和的錢數,讓你可以較易跟店家確認他是否算錯錢。

可以用手機拍照紀錄菜單,這樣如果跟店家確認發現金額不符後,還可根據紀錄查出到底是哪位同學少付了,並溝通得到更正。

由於透過金流平台溝通,所有的對話都會讓所有聚餐的同學都看到。因此可以形成輿論壓力,讓有理的一方能順利得到金額的更正。

如果真的無法解決爭端,還可以評價對方的壞行為。這樣他下次跟其他人聚餐時,不好的評價就會顯示出來,讓大家事前得知要小心注意呢!

當然,如果可以直接付給店家或許更好!

這樣的金流平台,或許可以用同儕壓力來形成病毒行銷的作用,把所有的人都拉到平台之上,自然就可透過別的方法營利賺錢了!

I seldom went out for dinner due to the location of school and the lack of money when I was in NCTU. But since I have came to Taipei, I started to have opportunities to dine together with others. Once I went with a lot of people, when it comes to paying, everyone put her money on the table. But the person who collected the money and payed for us later found out the money was not enough. However, nobody was sure who was responsible for that. I also have lost 200-300 dollar once when I went out with others.

Indeed, if we are unable to pay individually, it's often risky to dine together. There are four problems that might arise: (1) some people might pay less than required (2) there might may fake money (3) the restaurant could also make mistakes with the amount of money (4) some friends might quickly take away his money when the store gives you your change, making it hard to confirm the amount.

Even though it might be possible to prepare the change beforehand so I can also pay the exact amount for myself, it's still easy to forget about it. So I start to wonder whether there could be a payment system that could solve all the problems.

It basically works as follows. After dining, we could create a dining event with this app and add everybody. Each person could enter his amount and the system would check has balance and pay the amount to the friend who are going to pay physically. The system also displays the total amount so you could check the change from the store easily.

You could also take a picture with the your receipt so you could check who does not pay enough when you later find out the money is not enough.

Because all the communication happens on the platform, all friends could see your dispute, making it easy to pressure the one responsible to pay back.

If he really does not want to correct the amount, you could give him a bad review, so when he go out with others next time, everyone could be aware of this.

Of course, if the system could just pay to the restaurant, then all of this is not required.

This payment system may utilize peer pressure to promote their apps, so they can make everyone uses the system and make money.